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retirement
You’ve probably noticed that life doesn’t slow down when you retire
In fact, you may be busier than ever, enjoying your hobbies, travelling, and spending quality time with your family.
It can be a time of change, though, and this can bring up new financial worries and questions.
Our advisers can help you find the answers and put your mind at ease.
Ensure your money lasts as long as you need it to
It’s important to ensure you’re making the best use of your savings and investments throughout your retirement.
Our advisers can help you to spend and save in a sustainable way. This can enable you to fulfil your ambitions while also ensuring that your money lasts as long as you need it to.
Decide on the right course of action after receiving an inheritance
Receiving an inheritance can be overwhelming and emotional. It might be difficult to know how to make the best use of your windfall.
We can help you to understand your options so that you can make the right decision for you and your family.
Improve tax efficiency so that you don’t lose out
It’s likely that you’ll need to pay tax on your retirement income, but our advisers can help you to maximise your tax efficiency.
This means you can pay the right amount of tax, and more of your income can be spent on enjoying your retirement.
Leave a lasting legacy for your loved ones
You might be starting to think about gifting wealth to your family, or leaving them a legacy after you pass away.
We can help you to arrange this and address any potential Inheritance Tax charges that might become payable so that more of your wealth passes to your loved ones.
The service we have received from Peter and FMS over the years has been outstanding – responsive, professional, trustworthy, often going beyond the call of duty.
Our investments have done pretty well too!
I would and do recommend Peter and FMS to anyone looking for personalised and professional financial advice
I have no hesitation in recommending FMS Sevenoaks as a small and friendly firm of independent financial advisers who look after clients on a personal level. They give those clients the reassurance and knowledgeable financial advice that is sought in an ever-demanding and changing environment.
Graham has provided a structured and clearly set out retirement income strategy that enabled us to meet our objectives of gifting money to our children and also restructuring a retirement income more tax-efficiently. We both agree his advice has been first class based on his excellent knowledge of the financial markets.
As a customer with FMS for decades I've always been comfortable with the service they provide and confident about the advice they give me. It's been a long-term relationship - and that's what you need in a financial adviser.
Financial Management Services (FMS), and specifically Peter Collinson, have been advising us on our family finances for over 15 years. From the first telephone conversation, and subsequent meeting, my wife and I both felt that Peter was the sort of person we could work with. We have recommended FMS to friends and other family members. Anyone who has taken up their services has also been pleased with the results. I would highly recommend FMS to anyone looking for an independent financial adviser.
Pensions and tax are complex. when I contacted Graham, at FMS, after our initial discussion, which went into far more detail than any others I’d had, gave me confidence that they could help me achieve my requirements, and feeling I was left with a far clearer understanding of all my options. I left our first meeting with confidence that I had engaged with the right financial adviser. I am now planning for the future with Graham with confidence and have a lifetime plan in place.
Your journey
Our experienced advisers are here to guide you through your journey towards financial freedom. This can be a lifelong process, but it starts with five simple steps.
